Support Services Technology application has remained the thrust area of the Bank for last many years

with an objective to offer state of the art world class Banking facilities to its customers. The Bank continued to leverage information technology as a strategic tool for its business operations, to gain competitive edge in customer service as well as improving productivity and efficiency. The Banks IT strategy emphasizes enhanced level of customer services through 24x7 availability, multi-channel Banking and cost efficiency through optimal use of electronic channels, wider market reach and opportunities for cross-selling. The Banks focus is on harnessing technology for integrating diverse products and services. Keeping this in view, the Bank continued to widen the scope of multiple delivery channels such as ATM installations, Anywhere Banking , Internet Banking and SMS Banking at more & more centres. Anywhere Banking Features

Power to Access to your accounts across our branch network. The facilities include Cash Deposit/Withdrawal and transfer. Outstation Cheque collection.

Click here to get the list of branches providing Anywhere Banking facilitiy

Internet Banking Features

Available for both Retail and Corporate users. SMS Banking Statement of Accounts. Funds Transfer.

Click here to Download Internet Banking Form to register as a retail user

(Submit the filled form at your branch for creation of your Internet banking user)

Click here to Download the Internet Banking Form to register as a Corporate user.

(Submit the filled form at your branch for creation of your Internet banking user)

Corporate/Retail Internet Banking

Click here to view the list of branches where Internet banking facility is available Both corporate and retail clients can access their accounts anytime and from any location via the World Wide Web. Presently following services are available to the corporate clients:

Access/view of accounts Transfer of Funds between self linked accounts maintained with our bank. Transfer of Funds from their own accounts to external accounts (e.g. Vendor payment) Transfer of Funds from external to own accounts (e.g. dealer collection). Transfers of Bulk upload. Transfer to non J & K Bank account holders through RBI NEFT/RTGS. Transfer of non-standard bills. Utility bill payments.

Ecommerce facility for JK Bank Ebanking customers

J & K Bank Secure Payment Gateway, to provide ecommerce facility to the ebanking customers. Tie up with M/S Avenues India Pvt. Ltd. (ccevenue) and M/S BillDesk, for extending ecommerce facility to the ebanking customers. The facility shall be available to only such ebanking users, which have been enabled by the Bank for Bill Payment facility. eBanking users intending to purchase goods online through the Ccavenue shopping site shall be required to: o Logon to the Master Merchants (M/S Avenues India Pvt. Ltd.) website http://world.ccavenue.com/content/clients.jsp., o Select the item to be purchased o Select ebanking as the mode of payment. o Select the J & K Bank and the system will take the user to the J & K Banks ebanking site prompting him to enter his ebanking user-id and password. o After entering the Banks ebanking site the customer will be able to pay the amount of bill by debit to its own account. M/S BillDesk - is a useful service that provides customers a single point of contact for all your payment needs. Our customer can pay bills and make other payments online. Instead of writing a cheque each time, now our customers can use any device connected to the Internet (computer, kiosk, etc) and make payments with the click of a mouse. In effect, through BillDesk customers can now make All Payments at a Single Location.

e-Payment of Tax for JK Bank Ebanking customers

NSDL (National Securities Depository Ltd.), the first and largest depository in India, established in August 1996 and promoted by institutions of national stature responsible for economic development of the country has since established a national infrastructure of international standards that handles most of the securities held and settled in dematerialised form in the Indian capital market. Tax Information Network (TIN), a repository of nationwide tax related information, has been established by National Securities Depository Limited on behalf of Income Tax Department of India (ITD). Although India had a vibrant capital market which is more than a century old, the paper-based settlement of trades caused substantial problems like bad delivery and delayed transfer of title till recently. e-Payment facilitates payment of direct taxes online by taxpayers. To avail of this facility the taxpayer is required to have a net-banking account with any of the banks certified by NSDL,CBDT and RBI for collection of Direct TAX. J&K Bank has been added to the list.Also, e-payment of Indirect Tax for J&K State Govt. has been added to our services.

Click here to pay your Taxes Online

SMS Banking Be in touch with your account on the move.

Features

Balance Enquiry Transaction enquiry Cheque Status Enquiry

Click here to view the list of branches where Internet banking facility is available Click here to Download Internet Banking Form to register as a retail user

(Submit the filled form at your branch for creation of your Internet banking

user) Click here to Download the Internet Banking Form to register as a Corporate user.

(Submit the filled form at your branch for creation of your Internet banking user)

Click here to Download the SMS Banking Keywords for registered users.

ATM Services Features

A network of more than 440 ATMs deployed across the country. Accepting Maestro / Cirrus / Mastercard / VISA / NFS atm / debit / credit cards.

Debit Cards Features

Pin Based -Maestro / Cirrus Debit Card Provides online access to savings or current account. Accepted at all Domestic as Well as International MasterCard,Maestro,Cirrus Enabled ATM's and Point Of Sale locations. Accepted at National Financial Switch (NFS) ATM's. No Transaction Fee at JK Bank ATM's No Transaction Fee on purchases

Click here to the list of branches where Global Access Cards are issued. Click here for More Information. Credit Cards Features

20-50 day Credit Free Period * Revolving Credit Facility on paying of minimum payment due in the same billing period. Hassle free credit facility at competitive rate of interest. Cash Withdrawal Facility upto 20% of total credit limit *. Loyalty programme MasterCard SecureCode enbaled Credit Cards.J&K Bank lets you shop securely online with your J&K Bank MasterCard Credit Card. This service through a simple checkout process, confirms your identity when you make purchases on the Internet To use the facility, you would: Connect to the Internet and shop online using your J&K Bank Credit Card. You don't need any special software to use MasterCard SecureCode. Using this facility is as easy as using a PIN for ATM transactions. Grievance Nodal Officer for Credit Cards Mr. Parvez Ahmad 0194-2486427 grievance.creditcards@jkbmail.com Card Issuing and Acquiring Department; Corporate Headquarters J&K Bank

Click here to Acquire MasterCard Securecode for your Credit Card. Click here for More Information * Conditions Apply Most Important Terms and Conditions (JK Bank Credit Card)

Click here for MITC

One Time Password(OTP) for IVR transactions

Effective January 1, 2011, as mandated by Reserve Bank of India (RBI), Credit-Card-issuing Banks in India have introduced an additional measure of security for IVR transactions (Interactive Voice Response transactions are those transactions which are made over the phone where certain CreditCard details are to be entered into an automated system in order to make payment to a merchant for the purchase of goods/services) through their Credit Cards the OTP (One Time Password) generation. What is an OTP? An OTP is a six-digit code, valid for a limited period from the time of placing a request for it. You will need to obtain an OTP before every IVR payment transaction. How to obtain an OTP? You can obtain the OTP by visiting http://www.jkbank.net/jksip.php and logging in to J&K Bank Secure Internet Payment. A link Pre OTP is available for generating the OTP which would be emailed to your registered email. Alternatively, the OTP can be displayed on the screen by clicking on the small check box provided for the purpose. How to use the OTP? The OTP is required at the time of making payment on the IVR, where you will be prompted to enter it along with the other details like your credit-card number, card expiry date and CVV number.

Merchant Acquiring Features

All types of Visa & MasterCard based cards Accepted Quick Merchant Payment Merchant Helpdesk and Onsite Support. Competitive Commission Rates No hidden Charges

NRE Savings Account A deposit plan that provides standard banking facilities such as Cheque book, provision for nomination and other remittance facilities and also allows repatriation of entire funds. Features

Account can be opened through instruments such as Demand Drafts, Wire transfers etc. in freely convertible currencies. Account can also be opened by tendering Foreign Currency Notes,Travelers Cheques etc during your personal visit to India. Local Rupee Cheques (drawn in India) etc. & cash in Rupees cannot be deposited in this account. The Account can be opened jointly with other NRIs Minimum deposit of 1000 and Average Quarterly Balance of 2500 only

Entire Funds including interests are fully repatriable. Offers remittance facilities through RTGS and NEFT within India and through SWIFT to outside India. Nomination Facility available Personal Cheque Book Facility with cheques payable on all Anywhere Branches of the bank. Interest payable at half yearly basis (September & March). The principal and interest earned is fully tax exempted.

Add-on Facilities

Internet Banking facility for viewing account statements and funds transfer. Free Global Access Debit Card to account holder or for his assigned holder Account Operations allowed through Letter of Mandate or POA holder in India. Safe Deposit Locker facility available. Free Monthly Statements over e-mail.

NRE Fixed Deposits A Term Deposit plan that provides for payment of Interest on quarterly basis with option of reinvestment. The plan offers renewal of deposits and the option of repatriation of proceeds in the currency of your own choice. Key Features

Account can be opened by Inward remittances in any convertible currency from abroad through normal banking channels by way of: o Demand drafts, Telegraphic Transfers, Mail Transfers, SWIFT o Foreign Currency Notes/Travelers cheques (during your personal visit) as well as transfer from any non-resident (External) Rupee Savings & Fixed Deposit account or Foreign Currency Non Resident deposit Account. Deposits can be placed for periods ranging from 1 year to 3 years. Repatriation of these deposits and interest allowed freely in Foreign Currency at a place of your choice. Best in the Industry Interest rates coupled with convertibility. Option for Reinvestment (cumulative interest) Plan and Quarterly Interest Plan. Interest paid/credited (in case of cumulative deposit) every Quarter (i.e. March, June, September & December). Premature withdrawal for the purpose of renewal at better interest rate permitted without penalty clause on demand (conditions apply). Interest and balances are exempted from tax.

Add-on Facilities

Automatic renewal on due date for minimum maturity of 1 year, in the absence of specific instructions. Loans against deposits subject to a maximum of 20 lacs in Indian Rupees available on easy terms. Payment of proceeds in the currency of your choice.

Safe Deposit Locker facility available. Provision for nomination.

Non Resident External (NRE) (RUPEE) Accounts can be opened as recurring and current accounts as well. Useful Information - NRE Rupee Deposits Permissible Credits

Proceeds of remittances received from abroad in freely convertible currency through normal banking channels. Proceeds of personal cheques drawn by you on your foreign currency account and bank drafts payable in any permitted currency including instruments expressed in Indian rupees for which reimbursement will be received in foreign currency, deposited by you in person during your temporary visit to India. Proceeds of Foreign Currency Notes and Travelers Cheques of the Account holder during his personal visit to India, provided the amount was declared on CDF where FC notes exceed USD 5000 or equivalent and FC notes and Traveler cheques exceed in aggregate USD $ 10,000 or equivalent. Transfers from other NRE/FCNR accounts. Interest accruing on the funds held in the account. Interest on Government securities and dividend on units of mutual funds, provided the securities/units were purchased by debit to your NRE/FCNR account or out of inward remittance through normal banking channels. Any other credit covered under General or Special Permission granted by the Reserve Bank of India.

Permissible Debits

Local disbursements. Remittances outside India. Transfer to NRE/FCNR accounts of the account holder or any other person eligible to maintain such account. Investment in shares/securities /commercial paper of an Indian company or for purchase of immovable property in India provided such investment/purchase is covered by the regulations made, or the general/special permission granted, by the Reserve Bank. Any other transaction if covered under general or special permission granted by the Reserve Bank.

How to Open Deposit Accounts

Click here